Loan amounts available up to $4 million. :contentReference[oaicite:2]{index=2}

Debt to income ratios available up to 55%. :contentReference[oaicite:3]{index=3}

Cash out is available for qualifying scenarios. :contentReference[oaicite:4]{index=4}

Requires a completed FNMA Form 1005 showing a 2-year history with the same employer. :contentReference[oaicite:5]{index=5}

Pay stubs, tax returns, 4506-C, and W-2s are not required. :contentReference[oaicite:6]{index=6}

Bank statements are not required up to 70% LTV. :contentReference[oaicite:7]{index=7}

Helps simplify qualification by using a Written Verification of Employment instead of a full traditional income package. :contentReference[oaicite:8]{index=8}

A strong option for wage earners with stable employment who want a cleaner documentation process. This is an inference based on the program’s documentation requirements. :contentReference[oaicite:9]{index=9}

Gift funds are allowed for eligible borrowers. :contentReference[oaicite:10]{index=10}

Bank statements only need to reflect employer deposits supporting at least 65% of gross income when required. :contentReference[oaicite:11]{index=11}

Offers flexibility for borrowers who may not want to provide tax returns or W-2s. :contentReference[oaicite:12]{index=12}

Provides access to higher loan amounts and cash out options for qualified applicants. :contentReference[oaicite:13]{index=13}

Wage earners with a stable 2-year history with the same employer. :contentReference[oaicite:14]{index=14}

Borrowers who want to qualify without submitting pay stubs, tax returns, W-2s, or 4506-C documents. :contentReference[oaicite:15]{index=15}

Clients seeking a more streamlined documentation process. This is an inference based on the program structure. :contentReference[oaicite:16]{index=16}

Borrowers interested in higher loan amounts up to $4 million. :contentReference[oaicite:17]{index=17}

Qualified applicants looking for cash out options and flexible CLTV limits. :contentReference[oaicite:18]{index=18}

Clients who can document employer deposit support when bank statements are needed. :contentReference[oaicite:19]{index=19}